1 negative point is, CRED wants full E-Mail read access. We usually manage only 1 important e-mail account for all banking and other important institutions needs like trading, PF etc. And cred wants access to that E-Mail account. Just think, CRED can read all those E-Mails for top 1% wealthy people. This is the main reason I got discouraged to use CRED.
Cred still don't have any concrete revenue model just surviving on investors money. If Cred will list today in the market with same financial it will definitely going to loose 90% of its valuation.
@@Hamartia78 Without revenue model its difficult to survive in long run. And Cred doesn't have any moat, competition is very high and there is no entry barrier in the business. Even if I have to compare with Paytm they have business in payment services, Banks, broking, e-commerce, games still people have doubt about Paytm so just think about Cred.
VCs lead and play this game of valuations. 90% of Tech companies are not any real solutions, they are solutions looking for problems. Cred or tech startups can never make any profits because they are selling the solutions for free since they are not real problems to anybody in their daily lives. The more customers they acquire the more cash they will burn.
Cred is playing with privacy of users. They have critical access of users email, contacts many more. Mainly they can read your mail can trace your behaviour banking mails. They will sell your data and make money any day.
Create another email.....in cred protect....u can revoke the access...... learn how to use it kid It's not compulsory to allow access to email.....cred protect is not compulsory....grow up kid ...use another email......and as for sms all the banks these days use ur sms Email is need to fetch credit card statement...and end to end encryption that only cred and u can see it
It's not compulsory to allow access to email.....cred protect is not compulsory....grow up kid ...use another email......and as for sms all the banks these days use ur sms Email is need to fetch credit card statement...and end to end encryption that only cred and u can see it
They privacy policy clearly tells they will not allow thrid party to access the data....and rbi disallow nbfc to sell data......also even Facebook and Google don't sell data...... they use the data to target ads......cred privacy policy and rbi data policy probits nbfc, banks from selling data As for e-mail....so revoke it kid.....if u don't know don't talk....remove access to ur email.... nobody asked u give and cry like baby And as for email.....cred protect let's u revoke the access....cred needs ur email to get statment and u can deny email any thing Clear why do I see fools in india.....grow up kid.....
Valuation is the total worth of the company, if a company has no profit it does not mean that it does not has any cash, it only means that it is unable to generate any profit out of it, but it has assets which can be sold to recover the invested money. Because of cred's customer base it has data of most of the credit card users which eventually means that they can creat targetted products for them and eventually make a business out of it. They are currently in customer acquiring phase and is currently enjoying a monopoly, and if you observe closely it was just a credit card payment app, now you can shop on it, do other bill payments, and since UPI has allowed credit card integration it may even venture in that segment and eat away the profits of Google pay, Paytm and phone pay.
@@aryankumar1514 you are right but there are a lot of limitation on eating away profits of companies like google pay phone pay as there main function is bill payments and other transaction all the company have a best selling product or service but cred cannot convert it into upi payments as there are already good brands such as google secondly apparently it is not a monoply in credit card as hdfc and icici bank and other good private banks give you the service to shop even internationally on a really reasonable fees . in short cred is just a gimmick as it is basically a credit card brand and their are already good players in credit card with so many benefits even internationally so yes they are spending a hectic amount of money on their marketing but it is useless because their is no unique thing in there app please let me know if you think otherwise (i think cred will go bankrupt and kunal shah will be in a huge debt and will make his investorb loose their money)
I am a btech student always have less than 10k in bank account 3 bank accounts at 0 rs I was using flipkart from 2017 got paylater limit of 25000 a year ago. Got onecard credit card a month ago Now my credit score is 846
It is inappropriate to link CIBIL scores with wealth. Top 1% just pay their credit card bills on app because it provides an easier medium. It is premature to think that with financial data of top 1%, you can pitch them new products. They are the smartest category of people who want no frills solution. Cred will not be able to monetize anything out of them. Moreover, giving Rs.
Cred is working on something called data lake. It's collecting all data for credit card user, which will be more valuable in future. Just like fb did by collecting user data and selling them.. 👍
cibil already has this data, also data of 3 crore users cannot be worth 40000 cr. it is not going to see any profits in near future so it is bound to fail sooner or later.
@@yashthakar9441 one major advantage cred has is user activity via email access which cibil doesn't have. Cred knows exactly where user is spending, these little details matters much. Where cibil only provides user credit history. Cred is data warehouse for user shopping history 👍
Create another email.....in cred protect....u can revoke the access...... learn how to use it kid It's not compulsory to allow access to email.....cred protect is not compulsory....grow up kid ...use another email......and as for sms all the banks these days use ur sms Email is need to fetch credit card statement...and end to end encryption that only cred and u can see it
You missed one important point, the spending data it has from wealthy population. It is making us use more credit cards (ofcourse at 30 to 35%) and accumulating all those spending data. With the data it can make good profits. It can bring third party products into the app and target the right customer.
Whatsoever it is, still in these tuff times where big IT giant’s margins are dipping, It will be a bit difficult for cred to cover their losses in a fast manner.
@@Geekyvlog I do not think it is fair to compare IT companies and Cred. Services that IT companies provide are completely different. IT margins are dipping due to commoditization of their services and huge attrition. What am I saying is cred has USP which currently no one has in the market.
@@saikirangajawada8703 I know they are targeting some niche audience but we have seen many startups like askme, pappertap and many getting failed. Even new startups are struggling to get new investments after consecutive losses. I’m sure that cred monetising the users data they are having as this is the best way to cover their losses. Anyways, best of luck for their future growth 🙂
@@StopCensoringTheTruth nope , its false . One of the many reasons for metas failure was also the iphone feature of not tracking our data so they couldn't show targeted ads to ios users anymore
Brother you explain well good part of cred but many negetive parts are also. Credit distorted my CIBIL Score. They don't have team to direct contact you. Pathetic email service every time they create new ticket and ask you explain details multiple time. I was also Fan of Cred but now I suggest you guys for paying credit card bill there multiple apps are in market they will provide better service.
@@khanasif1654 I applied for cred cash and paid that amount before due date but still bounced e-nach 2 times. It's impact on my CIBIL. Now I have paid all amount but still showing 2 loan on my CIBIL report on same date when I applied for cred cash due to that issue my CIBIL are countinue dropped and now it is less then 600
Cred's business model is DATA. CRED app user's data is the raw material which can be used for data mining by buying this data from CRED. Essentially the CRED users data is sold to other companies without the CRED users knowledge. a la Facebook, Google.
Haaa...sab uss mote Kunal ko aise hype kar rahe jaise usne pehle Facebook banaya ho...lodee ne free charge banaya tha woh bhi sahi business nhi kar paaya thaa
I signed up to cred and paid my credit card bills. In the next month, it showed me notifications for my credit card bill, DTH bill, mobile bill, electricity bill, insurance premium and what not... I immediately called customer care to delete my account and warned them if I get any more notifications, I will file a case against them. Without any permission CRED finds all your payment information. Finally, the account got deactivated.
U missed to explain that if Cred can read our email, credit statement (with password) to show all transactions(obviously we give them premit to read) in app then what about other email in our email id, Do they read them all? Are they collecting data for further use,,,
Aditya bhai me aap se guzarish kar ta hoon ke kis tarah byaj (intrest) garib ko or bhi Garib bana de ta he or amir or amir banta hai.. or sara paisa kuchh haathon me simat kar aajata hai.. please video banaie.......... 😭😭
Cred is best no matter what best part is instant settlement of credit card bill payment and awesome cashbacks and another best part is statement analysis
Great case study. There are no free lunch served in this world. We don't know what is our value. In the form of Data. Data is all they want and sell them for profits. Our monthly spend, interests, each of this taken without our knowledge. Look If we use this Apps for more than 23 days, it will become part of life. And they got lifetime customer with Data. WhatsApp, All UPI apps, IG, are already in our life, similar to cellphones. Imagine a day without cellphone. Think! All business models of Apps is to take our behaviour or personal Data, this works in India than abroad because of fragile privacy laws. This won't work in EU.
Awesome case study aditya bro yhese case studies are outstanding I really appreciate your hardwork you are doing to get this information to us Lots of Love 💓💓💓💓
I love your case study videos and they are a clean source of knowledge for any startup and how they can perform to have a good hold over the market, people's trust, company's work culture, etc,. I gain knowledge from case study video but I have a request to make a case study on Physicswalla
cred pays these guys to do endorsements. In BJP there is one Subramaniam Swamy, who critisizes the govt. If an entity can create its own critics at least they can take control of the nature of criticism. So they create their own critics as well as supporters. So I bet Kunal shah payed this guy a hell lotta money to even critisize and praise about cred
I’m not super rich, average guy. But I am on CRED. So u r wrong on many fronts. I still pay my credit card bill from bank app itself. I rather find CRED awkward with those reward spin wheels. Most reward mean nothing but just some discount vouchers to expensive items
Thankyou bro, And Pls do providing resources as you provided 2 videos in the end of the video. You are working on one of the most underrated channels on TH-cam.
Trust factor also depends on how much development a country has, It has seen most of the times that in developed nations people trust each other. Because of economic prosperity and more other things
Just an FYI In other countries petrol pump doesn't have operator because the margin are too low with minimum wage. Also the weather conditions are too cold for a person always stand at the pump.
Aditya bhai...you are posting amazing content. Just few suggestions. 1. Speak slower. If i want to listen to you faster then I can do it with 1.5X anyway. 2. Length can be increased, i feel topics & content are really amazing. After finishing it, I feel like want more details.
cred is not that super as you are pointing out after more than 10 communication to address the problem of inducting a new credit card to the app, i failed them to understand what is wrong. so not everything is green.
But I don't agree with 1% of wealthy people is dealing with cred. It's utterly wrong. Cred's main users are from upper middle class executive kind of.people, if i am in 1% of wealthy people surely i am an HNI and i don't need some rewards on timely payments of my bills. I am already put a team to manage my personal finance, in other words its probably coming under my company's director expense or so, it's taken care pretty well.
You haven't told how cred generates profit search about this and you will know cred is doing some serious security breach with its Coustomer . Cred is really great for credit card user
So entrepreneurship in india has become "Good idea with zero profitability" Suck on the investors money and fill our own pockets-this has become the mentality of entrepreneurship.. If the companies themselves don't put any money in the economy. We don't need those companies. Innovativion ke naam padh naa hi tax bhadna padhta hai,naa hi economy me paisa jata hai,bus low salary jobs create hojata hai
What cred does is behaviour pattern change. They have your data about credit card usage. So they know what you purchase most. So they have tie ups with many brands so they pretend to be giving you discount and change your behaviour and make you spend more. Credit cards have lot of hidden charges. As much as possible don't use credit card unless it's very important. Hope you guys find it useful.
Ur videos 🔥🔥❤️❤️keep up the good work ❤️❤️bro .. really awesome 😎😎. Ur case studies .is of some other level ❤️❤️ thanks to you for providing us all the information through all your videos 🔥🔥🙏🙏 keep it up 👍
Cred app is waste for middle and low class people where 1 or 2 missed emis lowers the cibil score by 20-30 points and maintaining 750 score is not everyone cups of tea...
Cred doesnt create Delta 4 effect... I have cred...and most time i use banks app to pay credit card .. because cred coins after an amount is just useless.
I am a banker...I never applied for a credit card and never encouraged a person to use credit card...The problems of using credit card has not been discussed in this video, although the video is informative...
These types of FIntech are the new age blade companies. They "manage" the valuations, later sell the losses to the investors in stock market and escape. Hope no one will fall pray to these after the good experience with listing of PayTM, PayTM mall etc. Edutech companies too have similar stories.
1 negative point is, CRED wants full E-Mail read access. We usually manage only 1 important e-mail account for all banking and other important institutions needs like trading, PF etc. And cred wants access to that E-Mail account. Just think, CRED can read all those E-Mails for top 1% wealthy people. This is the main reason I got discouraged to use CRED.
Same here.. i stopped using it
Sign up with different email id as simple as that. Don't give sms access
That's a gold mine!
@@mvk.upl0ads
Agree
Agree
Cred still don't have any concrete revenue model just surviving on investors money.
If Cred will list today in the market with same financial it will definitely going to loose 90% of its valuation.
Market watches future of the company not present, do i think future of the company is bright
@@Hamartia78 Without revenue model its difficult to survive in long run. And Cred doesn't have any moat, competition is very high and there is no entry barrier in the business.
Even if I have to compare with Paytm they have business in payment services, Banks, broking, e-commerce, games still people have doubt about Paytm so just think about Cred.
100% true
VCs lead and play this game of valuations. 90% of Tech companies are not any real solutions, they are solutions looking for problems. Cred or tech startups can never make any profits because they are selling the solutions for free since they are not real problems to anybody in their daily lives. The more customers they acquire the more cash they will burn.
This is not case study..this is paid promotion
Yes 😉
Haa
True .how someone can appreciate the loss making company..and on the other hand in his previous videos he trolled other loss making companies
@@tusharshirame59 hypocrisy bro 😒
@@tusharshirame59 Amazon became profitable just 4 to 5 years ago
Everyday present here on this channel!
Bhai tu zinda h? Iss channel m daalna content more.
Area apne baap ka naam le lena Rana sahab ka 😍
😁
Bhai youTube kyu chor diya 😞
Cred is playing with privacy of users. They have critical access of users email, contacts many more.
Mainly they can read your mail can trace your behaviour banking mails.
They will sell your data and make money any day.
@@user-nx7bo2er5j I use seperate samsung guru already. You should also do this
Create another email.....in cred protect....u can revoke the access...... learn how to use it kid
It's not compulsory to allow access to email.....cred protect is not compulsory....grow up kid ...use another email......and as for sms all the banks these days use ur sms
Email is need to fetch credit card statement...and end to end encryption that only cred and u can see it
It's not compulsory to allow access to email.....cred protect is not compulsory....grow up kid ...use another email......and as for sms all the banks these days use ur sms
Email is need to fetch credit card statement...and end to end encryption that only cred and u can see it
They privacy policy clearly tells they will not allow thrid party to access the data....and rbi disallow nbfc to sell data......also even Facebook and Google don't sell data...... they use the data to target ads......cred privacy policy and rbi data policy probits nbfc, banks from selling data
As for e-mail....so revoke it kid.....if u don't know don't talk....remove access to ur email.... nobody asked u give and cry like baby
And as for email.....cred protect let's u revoke the access....cred needs ur email to get statment and u can deny email any thing
Clear why do I see fools in india.....grow up kid.....
Great information but you didn't explain the hidden secret of Cred For example, why it's valuation is 40000crore inspite of no profit
Why it’s valuation is so high?
Valuation is the total worth of the company, if a company has no profit it does not mean that it does not has any cash, it only means that it is unable to generate any profit out of it, but it has assets which can be sold to recover the invested money. Because of cred's customer base it has data of most of the credit card users which eventually means that they can creat targetted products for them and eventually make a business out of it. They are currently in customer acquiring phase and is currently enjoying a monopoly, and if you observe closely it was just a credit card payment app, now you can shop on it, do other bill payments, and since UPI has allowed credit card integration it may even venture in that segment and eat away the profits of Google pay, Paytm and phone pay.
@@aryankumar1514 you are right but there are a lot of limitation on eating away profits of companies like google pay phone pay as there main function is bill payments and other transaction all the company have a best selling product or service but cred cannot convert it into upi payments as there are already good brands such as google secondly apparently it is not a monoply in credit card as hdfc and icici bank and other good private banks give you the service to shop even internationally on a really reasonable fees . in short cred is just a gimmick as it is basically a credit card brand and their are already good players in credit card with so many benefits even internationally so yes they are spending a hectic amount of money on their marketing but it is useless because their is no unique thing in there app please let me know if you think otherwise (i think cred will go bankrupt and kunal shah will be in a huge debt and will make his investorb loose their money)
I am using cred since 2019 and I didn't realize I am part of a cream 1% community. Interesting !!
Me too
Correct
Brageer
I am a btech student always have less than 10k in bank account 3 bank accounts at 0 rs
I was using flipkart from 2017 got paylater limit of 25000 a year ago.
Got onecard credit card a month ago
Now my credit score is 846
@@akshaygaming1869 same
It is inappropriate to link CIBIL scores with wealth. Top 1% just pay their credit card bills on app because it provides an easier medium. It is premature to think that with financial data of top 1%, you can pitch them new products. They are the smartest category of people who want no frills solution. Cred will not be able to monetize anything out of them. Moreover, giving Rs.
Exactly
Cred ceo is a 90's guy and he is recreating all the 90's memory back to life
Cred is working on something called data lake. It's collecting all data for credit card user, which will be more valuable in future. Just like fb did by collecting user data and selling them.. 👍
cibil already has this data, also data of 3 crore users cannot be worth 40000 cr. it is not going to see any profits in near future so it is bound to fail sooner or later.
@@yashthakar9441 one major advantage cred has is user activity via email access which cibil doesn't have. Cred knows exactly where user is spending, these little details matters much. Where cibil only provides user credit history. Cred is data warehouse for user shopping history 👍
Create another email.....in cred protect....u can revoke the access...... learn how to use it kid
It's not compulsory to allow access to email.....cred protect is not compulsory....grow up kid ...use another email......and as for sms all the banks these days use ur sms
Email is need to fetch credit card statement...and end to end encryption that only cred and u can see it
As a cred user I can say, Amazon pay and other apps is much than cred.
Why so
@@ronitroy3174 cashback.
Is cred a payments app ?
@@bindutiwari4263 credit card payments app.
You missed one important point, the spending data it has from wealthy population. It is making us use more credit cards (ofcourse at 30 to 35%) and accumulating all those spending data. With the data it can make good profits. It can bring third party products into the app and target the right customer.
Whatsoever it is, still in these tuff times where big IT giant’s margins are dipping, It will be a bit difficult for cred to cover their losses in a fast manner.
@@Geekyvlog I do not think it is fair to compare IT companies and Cred. Services that IT companies provide are completely different. IT margins are dipping due to commoditization of their services and huge attrition. What am I saying is cred has USP which currently no one has in the market.
@@saikirangajawada8703 I know they are targeting some niche audience but we have seen many startups like askme, pappertap and many getting failed. Even new startups are struggling to get new investments after consecutive losses. I’m sure that cred monetising the users data they are having as this is the best way to cover their losses. Anyways, best of luck for their future growth 🙂
@@StopCensoringTheTruth nope , its false . One of the many reasons for metas failure was also the iphone feature of not tracking our data so they couldn't show targeted ads to ios users anymore
CRED is not worth now days as now they are only giving discount coupons on product we would never buy.
I used cred it was nothing like that there no simple way to communicate to cred team no option to resolve u r issue so then no use
Brother you explain well good part of cred but many negetive parts are also. Credit distorted my CIBIL Score. They don't have team to direct contact you. Pathetic email service every time they create new ticket and ask you explain details multiple time.
I was also Fan of Cred but now I suggest you guys for paying credit card bill there multiple apps are in market they will provide better service.
What happened
@@khanasif1654 I applied for cred cash and paid that amount before due date but still bounced e-nach 2 times. It's impact on my CIBIL.
Now I have paid all amount but still showing 2 loan on my CIBIL report on same date when I applied for cred cash due to that issue my CIBIL are countinue dropped and now it is less then 600
Try postpe for cash backs
Cred's business model is DATA. CRED app user's data is the raw material which can be used for data mining by buying this data from CRED. Essentially the CRED users data is sold to other companies without the CRED users knowledge. a la Facebook, Google.
Who else like the previous interface of Cred which had 3d buttons and icons. Current interface doesn't feel as good as before. 🙁
Itsbetter now
Didi uninstall kardo...simple sms organiser by microsft use karo...har cheez ka reminder aaye ga
@@bhairav08 abe vo boy hai girl nahi.. Photo dekh
I must appreciate your study of the case and the way you present. You have indeed bright future ahead. All the best Bhai… 🔥
This start up is like a "solution looking for a problem".. It might be one of the greatest start up failures..
Haaa...sab uss mote Kunal ko aise hype kar rahe jaise usne pehle Facebook banaya ho...lodee ne free charge banaya tha woh bhi sahi business nhi kar paaya thaa
Cred and Paytm is the worst start-up ever
i totally agree with you both
you are the only person who understood this
i would like to talk deep with you guys on this topic
This person is a gem ❤️✨
And U are a spammer
@@jibanpatra3998 😁
@@jibanpatra3998 aur Tu vi
I signed up to cred and paid my credit card bills. In the next month, it showed me notifications for my credit card bill, DTH bill, mobile bill, electricity bill, insurance premium and what not... I immediately called customer care to delete my account and warned them if I get any more notifications, I will file a case against them. Without any permission CRED finds all your payment information. Finally, the account got deactivated.
this guy is legend and my inspiration ♥️♥️
It's my humble request to you to open a new channel in English version too thanks you so much
U missed to explain that if Cred can read our email, credit statement (with password) to show all transactions(obviously we give them premit to read) in app then what about other email in our email id, Do they read them all? Are they collecting data for further use,,,
he wont brother. this video is a full-on promotional
They are not just collecting your data, you have allowed their app to read your mailbox when u accepted their T&C.
750+ credit score hone ki zarurat nhi hai cred use karne ke liye
Bahut pehle remove kr diya tha ye criteria to🤧🤔
Correct✅ because they playing very big.... About ur data
So much data, could end up becoming a financial institution. Great video mate!
Aditya bhai me aap se guzarish kar ta hoon ke kis tarah byaj (intrest) garib ko or bhi Garib bana de ta he or amir or amir banta hai.. or sara paisa kuchh haathon me simat kar aajata hai.. please video banaie.......... 😭😭
Brilliant case study Aditya... I'm excited to see how this cred journey goes
Cred is best no matter what best part is instant settlement of credit card bill payment and awesome cashbacks and another best part is statement analysis
Great case study.
There are no free lunch served in this world.
We don't know what is our value. In the form of Data.
Data is all they want and sell them for profits.
Our monthly spend, interests, each of this taken without our knowledge.
Look If we use this Apps for more than 23 days, it will become part of life. And they got lifetime customer with Data.
WhatsApp, All UPI apps, IG, are already in our life, similar to cellphones.
Imagine a day without cellphone.
Think!
All business models of Apps is to take our behaviour or personal Data, this works in India than abroad because of fragile privacy laws. This won't work in EU.
Cred ka pata nahi you are truly genius my brother 🌷😍😍😍🥰
Awesome case study aditya bro yhese case studies are outstanding I really appreciate your hardwork you are doing to get this information to us Lots of Love 💓💓💓💓
I love your case study videos and they are a clean source of knowledge for any startup and how they can perform to have a good hold over the market, people's trust, company's work culture, etc,. I gain knowledge from case study video but I have a request to make a case study on Physicswalla
congratulations on the verification mark sir..ur content is truely interesting and appreciable
cred pays these guys to do endorsements. In BJP there is one Subramaniam Swamy, who critisizes the govt. If an entity can create its own critics at least they can take control of the nature of criticism. So they create their own critics as well as supporters. So I bet Kunal shah payed this guy a hell lotta money to even critisize and praise about cred
Same thoughts 👍
Brilliant...! focused on prime customers!!
I’m not super rich, average guy. But I am on CRED. So u r wrong on many fronts. I still pay my credit card bill from bank app itself. I rather find CRED awkward with those reward spin wheels. Most reward mean nothing but just some discount vouchers to expensive items
Spot on my friend.
You didn't explain us how cred is 40000 crores valuation company.
He did iykyk
He did. Watch it again.
Thankyou bro,
And Pls do providing resources as you provided 2 videos in the end of the video.
You are working on one of the most underrated channels on TH-cam.
Aditya you pitched it very well...
Kunal Shah is like, he must be the part of my team...
Somehow I am getting feeling that it is a CRED sponsored video. Anyways I do love their ads.
Trust factor also depends on how much development a country has,
It has seen most of the times that in developed nations people trust each other.
Because of economic prosperity and more other things
Bhai had cred sponsored the whole video? 😂 btw informative and awesome as always
Thank God, I am not part of this Cred & I can still pay my bills on time & no such random apps need to correct my behavior.
rest such people can praise these apps, who knows if getting benefited extra...
Just an FYI In other countries petrol pump doesn't have operator because the margin are too low with minimum wage. Also the weather conditions are too cold for a person always stand at the pump.
Aditya bhai...you are posting amazing content.
Just few suggestions.
1. Speak slower. If i want to listen to you faster then I can do it with 1.5X anyway.
2. Length can be increased, i feel topics & content are really amazing. After finishing it, I feel like want more details.
Again... Excellent work bro... God bless you for your hard work and dedication towards the society ... Keep it up!✋
just like freechrge, Krunal Shah will sell this company to someone else who gives good valuation.
Lol I’m pretty sure about it too
8:18 : reminds me of Peyush Bansal
cred is not that super as you are pointing out after more than 10 communication to address the problem of inducting a new credit card to the app, i failed them to understand what is wrong. so not everything is green.
But I don't agree with 1% of wealthy people is dealing with cred. It's utterly wrong. Cred's main users are from upper middle class executive kind of.people, if i am in 1% of wealthy people surely i am an HNI and i don't need some rewards on timely payments of my bills. I am already put a team to manage my personal finance, in other words its probably coming under my company's director expense or so, it's taken care pretty well.
A Detailed case study covers everything about CRED👍
You haven't told how cred generates profit search about this and you will know cred is doing some serious security breach with its Coustomer . Cred is really great for credit card user
So entrepreneurship in india has become
"Good idea with zero profitability"
Suck on the investors money and fill our own pockets-this has become the mentality of entrepreneurship..
If the companies themselves don't put any money in the economy.
We don't need those companies.
Innovativion ke naam padh naa hi tax bhadna padhta hai,naa hi economy me paisa jata hai,bus low salary jobs create hojata hai
What cred does is behaviour pattern change. They have your data about credit card usage. So they know what you purchase most. So they have tie ups with many brands so they pretend to be giving you discount and change your behaviour and make you spend more. Credit cards have lot of hidden charges. As much as possible don't use credit card unless it's very important. Hope you guys find it useful.
No. You cannot get product level purchase information from credit card. In credit card statements only the vendors name is present.
Please also make vedios on games and companies scams
Hope you get good amount from cred for this good advertisement... Quite better than any ads
Thank God i have ears to listen your beautiful voice ❣️
Love you dude
Yehi toh chahiye(consistency)
Your growth will also be next level
Cred user here and i must say i makes my life easy to track my creditcard bills and etc house rent and etc……..
Ur videos 🔥🔥❤️❤️keep up the good work ❤️❤️bro .. really awesome 😎😎.
Ur case studies .is of some other level ❤️❤️ thanks to you for providing us all the information through all your videos 🔥🔥🙏🙏 keep it up 👍
I told you before , you will get a Million Subscribers very soon. (On the way buddy . Keep going)
Cred app is waste for middle and low class people where 1 or 2 missed emis lowers the cibil score by 20-30 points and maintaining 750 score is not everyone cups of tea...
Sounds good but does it work. The fact is this company still bearing big losses
Thanks for your English captions bro it's useful to me and all
"Next wali video me jaan jagoge wo Raaz"....aap ka business strategy sabse alag hain Bhai ..
credit score 701 person also join cred, not required 750
A great way advertising cred .😅😂
In this you captured the main point i.e. "to join cred community people are responsible towards there cibil or credit score".
Cred is my most favourite application for user friendly experience.
When Aditya says- well Aisa nahi hai, reality kuch aur hai
I love these case studies from.....Aditya sir ...thanks 🤗 sir ..... I leaning alots of things from you sir.......thanks sir 🤗🤗
Very good bro... You are doing a good work.... i found Nice research and development of your every video... Keep it up. Weldon.
Good explanation of all past kunals speeches...but mind it cred is not delta 4
Still the question remains, What is your exact business model? How will you earn profit?
Sahi bola vai, Thank you. Me CRED use karne ke bad avi sirf cred hi use karta hu
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In the thumbnail Kunal Shah looks like a badass villain of a suspense/thriller movie 😅
Cred is amazing and best one to use.
We have known some renowned companies for years for their products...but Aditya Saini in every video be like "Reality kuch aur hain"
Case study to CRED advertisement !
Well going Aditya..
Cred doesnt create Delta 4 effect... I have cred...and most time i use banks app to pay credit card .. because cred coins after an amount is just useless.
Paytm jesa haal hoga eska bhi customer acquire karlo paise fek ke lekin unse paise bnane kese hai pta nhi
Using cred from it's initial days and i am extremely impressed also referred to my frnds they are now regular user
I would love to know what benefits did you get by using the app sir. I have also been using the app since the initial days.
@@vibhorbedi6024 timely reminders, hidden charges alert, all card prodviders aggregator, ease of payment etc.
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Dark Truth is Thus video is commercially sponsored by CRED💀
how many got cred bounty ad?
Ur content is mindblowing..Ultimate speaker
2 ya 3 credit cards ho toh bhagwaan hee bacha sakta h 😝 I have 10 credit cards and Cred is really helping me to manage them all 👍🏻
CRED IS S SUPER STARTUP 👌 IN INDIA
KUNAL SHAH KOI CHOTI MOTI HASTI NI HAI AB
Love from West Bengal🕉
Nice and well researched, keep it up
Excellent video. Your analysis is superb
Hi Aditya,
Could you please help me in which tool and from where you are using your thumbnail, while making your videos
Super informative. Was not knowing about behind the cred that much. Interesting theory
Aditya ji ...superb video...keep.it up...well said.mate
I am a banker...I never applied for a credit card and never encouraged a person to use credit card...The problems of using credit card has not been discussed in this video, although the video is informative...
I would say this video was pretty optimistic while ignoring many things on the ground level.
Wow saw the ad of the company cred of which the video is about 🙂😳
These types of FIntech are the new age blade companies. They "manage" the valuations, later sell the losses to the investors in stock market and escape. Hope no one will fall pray to these after the good experience with listing of PayTM, PayTM mall etc. Edutech companies too have similar stories.